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Meet our mortgage team

Your Local Home Loan Partners
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With 27 years of experience in the banking industry, including 20 years dedicated to the mortgage sector, Karen Relyea brings a wealth of knowledge and expertise to F&M. Started as a teller, she worked her way through many roles including a Banker and Loan Processor. Due to this experience, she has developed invaluable insights and skills at every level. This journey of growth and dedication formed the foundation of Karen’s commitment to providing exceptional service and guidance to her clients. Karen is dedicated to helping navigate the complexities of the mortgage landscape with confidence and ease to help make the purchasing experience exceptional. Karen is happy to be with F&M due to the bank's focus on helping customers as well as the community. 

Our local lenders are here to help you. 

Whether you're purchasing your first home, refinancing, or looking for advice, our originators are committed to providing expert advice and solutions to help you achieve your homeownership dreams.